What Are Health Insurance Marketplaces And Exchanges?
Exchanges or marketplaces are services that enable enrollment in insurance through a public or private forum. These forums are accessible through multiple portals and websites.
West Virginia Private Exchanges vs Public Exchanges
Public Exchanges
The public exchange for West Virginia is run by the Department of Health and Human Services (HHS), at the federal level, after initial political opposition forced a decision to not to run a state-based marketplace when Obamacare was passed. When using the public exchange, your application will also verify if you qualify for Medicaid, CHIP, or other discounts based on income level.
The following carriers are available through the West Virginia public exchange:
- CareSource (limited coverage)
- Highmark Blue Cross Blue Shield
Private Exchanges
The private exchange is designed for employers to allow employees to enroll in a pre-selected company health insurance plan. It is also where individuals and small businesses shop and enroll for coverage during the open enrollment window. Consulting firms or brokers typically run the private exchange utilized by an employer.
The following carriers are available through private exchanges or third parties in West Virginia:
- Highmark Blue Cross Blue Shield West Virginia
- CareSource Just4Me
- The Health Plan
- Aetna
Learn More About Your Options in the West Virginia Health Insurance Marketplace. Talk With An Advisor.
West Virginia Health Care Marketplace and Exchange Resources
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